Bayanin DSCR
Farashin DSCR(Rashin Rufe Sabis na Bashi) Shirin.
Wannan shi ne mafi sauƙin shiri a tsakanin duk shirye-shiryen da ba na QM ba.
Ba a buƙatar samun shiga / Matsayin Aiki / Dawowar Haraji.
Karin Bayani na Shirin DSCR
1) Max.LTV: 80%;
2) Max.Adadin Lamuni $2,000,000;
3) Min.FICO: 680;
4) Ƙasar Ƙasashen waje da aka ba da izini.
Da fatan za a kira farashi game daGidan da aka kera, Raka'a 5-10 da lamuni amt> $2.0 miliyan.
Menene DSCR?
Shin kun san yadda ake cancanci lamunin jinginar gida ba tare da wani bayanin aiki da samun kuɗin shiga ba?
Shin ba ku cancanta da lamunin jinginar gida na al'ada ba?
Shin kun san wane shirin lamuni shine samfur mafi sauƙi?
Kuna so ku san yadda ake amfani da takaddun da aka rage don cancantar lamuni?
Shin yana da wahala a gare ku don samun lamuni na gida a cikin masana'antar ku?
Muna ba da cikakkiyar shirin lamuni don gamsar da mahimman abubuwan da ke sama -Farashin DSCRshirin.Shi ne mafi mashahurin samfuran da ba na QM ba a cikin lamunin jinginar gida.
Farashin DSCR(Rashin Rufin Sabis na Bashi) an ƙirƙira shi don ƙwararrun masu saka hannun jari na ƙasa kuma ya cancanci masu ba da lamuni dangane da kwararar kuɗi kawai daga kadarorin batun don tantance ƙimar haɗarin saka hannun jari.A yau, mun mai da hankali kan fahimtar ma'anar DSCR da kuma bayyana sirrin shirin DSCR daga mahangar zuba jarin jinginar gidaje.
Jagororin DSCR
| Kadari | ★Bayanin watanni 2 na bayanan banki da ake buƙata. ★ Wasikar shiga 100% da aka samu daga duk masu haɗin gwiwa. ★An yarda da kuɗaɗen kyauta don amfani da su wajen biyan kuɗi da lamuni. ★Stocks/Bond/Mutual Funds - 90% na hannun jari ana iya la'akari da shi a cikin lissafin kadarorin don rufe farashi da ajiyar kuɗi. ★ Kudaden Asusu na Ritaya - 80% ana iya la'akari da su don rufewa da/ko ajiya. ★Lokacin da aka yi amfani da bayanan banki, dole ne a tantance manyan kudaden ajiya. |
| Wuraren ajiya | ★Ajiye: Lamuni Amt $125,001-$1,000,000: Watanni 6 PITIA; Lamuni Amt $1,000,001 - 1,500,000 : 9 months PITIA; Lamunin Amt $1,500,001 - 2,000,000: watanni 12 PITIA ★Za a iya amfani da kuɗin da aka samu a matsayin ajiya. ★Layin daidaito na bashi da kuɗin kyauta ba hanyoyin da za a yarda da su ba don biyan buƙatun ajiyar. |
| Kiredit | ★Dole ne bayanin martabar kowane mai karɓar bashi ya haɗa da mafi ƙarancin layukan kasuwanci guda biyu (2) a cikin watanni ashirin da huɗu (24) da suka gabata waɗanda ke nuna tarihin wata goma sha biyu (12), ko haɗin bayanan ƙirƙira tsakanin Mai ba da bashi da abokin haɗin gwiwa tare da mafi ƙanƙanta. na kasuwanci guda uku (3). |
| Taron Kiredit | ★Tarihin jingina:0 x 30 x 12. ★Kawancen Kashewa: watanni 36 ★Gajeren Siyarwa/DIL Seasoning:36 months ★BK Seasoning:36 months |
| Aiki & Kudin shiga | ★Ba a bukata. |
| Kima | ★ Adadin lamuni ≤ $1,500,000 = 1 Cikakken Kima (ARR, CDA ko FNMA CU Risk score na 2.5 ko ƙasa da haka ana buƙatar ban da kimantawa) ★ Adadin lamuni> $1,500,000 ko ma'amala ta "flip" = Cikakkun kimantawa biyu |
| Sauran Bukatun | ★Masu Sayen Gida Na Farko Basu Cancanci ba. ★Max Kudi: 20 ★MD Zuba Jari don Babu PPP kawai. ★ Hukuncin Biyan Kuɗi shine kashi 5% na sauran ma'auni na lamuni. |
Yadda za a lissafta DSCR?
Don lamunin jinginar gidaje, DSCR yana nufin rabon kuɗin haya na wata-wata na kadarorin saka hannun jari zuwa jimlar kuɗin gidaje.Waɗannan kuɗaɗen na iya haɗawa da babba, riba, harajin dukiya, inshora, da kuɗin HOA.Duk wani kuɗaɗen da ba a kashe a zahiri ba za a rubuta shi azaman 0. Ƙananan rabo, mafi girman haɗarin lamuni.Ana iya bayyana shi a cikin wadannan:
Muna ba da "Babu rabo DSCR" ga abokan cinikinmu, wanda ke nufin rabon na iya zama ƙasa zuwa "0".A cikin samfuran lamunin mu na al'ada, muna buƙatar kwatanta kuɗin shiga na masu ba da bashi tare da PITI na wata-wata (Babba, Riba, Haraji, Inshora) da duk wani kuɗin HOA da sauran haƙƙin mallakar kadarori don yanke shawara idan lamunin ya cancanci.
Fa'idodin DSCR
Babu rabon DSCR samfurin lamuni ne wanda baya tabbatarwa ko buƙatar samun kudin shiga mai karɓar bashi saboda baya haɗa da lissafin DTI (Rashin Bashi-To-Income Ratio).Mahimmanci, mafi ƙarancin DSCR (Rashin Sabis na Bashi) na iya zama ƙasa da 0. Ko da kuɗin haya yana da ƙasa, har yanzu muna iya yinsa!Wannan zabi ne mai kyau ga masu ba da bashi tare da ƙananan kuɗi ko ƙarin alhaki.Wannan ya sa ya zama zaɓi mai dacewa har ma ga waɗanda ke da ƙananan kuɗin haya, wanda ya sa ya zama kyakkyawan zabi ga masu karbar bashi tare da ƙananan kuɗi ko mafi girma alhaki.
Bugu da ƙari, wannan shirin yana buɗewa ga ƴan ƙasashen waje, musamman waɗanda ke da visa F1.Idan kai ɗan ƙasar waje ne kuma ba za ka iya cancanci lamunin lamuni na al'ada ba, da fatan za a tuntuɓe mu don tattauna yanayin lamunin ku.
